Not ready to invest? See what your savings could earn while you decide.

Fifteen million UK adults keep money in cash they could invest, and most say it is the fear of losing it or not knowing where to start. Cash is a fair choice. Cash at 1.00% is a habit: on £9,900 the gap to the highest easy-access rate in our example is £348 a year, FSCS-protected either way. Type in what you hold and see yours in two minutes.

Join the waiting listFree, and it takes two minutes.
An example4.52%Highest easy access we track, on £9,900
What your money could earn£348 a yearEveryday saver could earn more
An example

The highest easy-access rate in our example: 4.52%

If yours is 1.00%, that’s £348 a year on £9,900. We compare the savings rates of UK banks and building societies and show the gap in pounds.

An example figure: we could not check live rates just now. Check any rate on the bank’s own page before you open anything.

Join the waiting list
One savings account could earn more.Your Everyday saver could earn £348 more a year.

Cash is where Britain keeps it. Here is what that costs.

£610bnsits in cash savings that could be invested, held by 15 million UK adults.Barclays, the UK investment gap, September 2025
41%say the fear of losing money is what keeps them out of investing.Barclays / Savanta, 2,000 UK adults, January 2025
44%say not knowing enough is the biggest obstacle to investing.Barclays / Savanta, January 2025
61%of people with more than £10,000 to invest hold at least three-quarters of it in cash.FCA Financial Lives survey, May 2024, published May 2025
2.9%was inflation in the year to July; cash earning less than that buys less each year.ONS Consumer price inflation, 19 August 2026
£348a year: the gap on £9,900 between 1.00% and 4.52%.Blooom, the example household, our example

Every figure carries its source and date.

Staying in cash is a choice. Staying at 1% is a habit.

Nobody has to become an investor to stop losing money.

The rate you were given, not the rate you could have

A newer account can pay more than one you have held for years, and nobody rings to say so. Blooom shows what the same money earns elsewhere, in pounds a year.

Inflation eats cash that sits still

At 2.9% inflation, £9,900 at 1.00% buys less next year than it does today. Blooom checks the highest easy-access rate against inflation every month.

The protection is the same everywhere

The FSCS protects £120,000 per person at each banking licence, whether the bank is a name you know or not. A higher rate at a smaller bank carries the same protection, and Blooom names the licence behind every account you hold.

Three steps, ten minutes, once

Then Blooom compares it for you.

Find your rateIt is on your statement or in your banking app, usually as AER. If you cannot find it, tell Blooom you do not know it and we show the market instead.
Type it inYour balance and your rate. What it could earn appears: the highest easy access, fix and cash ISA the money could sit in, with the pounds a year, and the working shown.
Open the account, or notA clean link to the provider’s own site, which pays us nothing. Expect ID, a UK address and a first deposit. Your old account and its direct debits can stay as they are.
Free and Blooom+

See where you stand. Know when things change.

  • Every account in one list, no loginsSavings, pensions, home, car, what you owe.
  • Your net worth from five linesOne number, each line marked by how we know it.
  • What your money could earn, in poundsThe highest easy access, fix and cash ISA it could move to.
Join the waiting list

Your money stays put. So do your details.

Two minutes to set up, and what you type stays yours.

Your money never comes near usIt stays with your own bank. We show the rates; opening an account is your call.
Your figures stay yoursThey build your own picture and nothing else. Never sold, never shared.
Private by designYour account is yours alone. Only you can see inside it.
Log in your wayFace or fingerprint on the app, and an extra step in Settings if you like.
Leave whenever you likeExport a copy or delete everything, in one tap. No waiting.

Two doors. Both open today.

Free

Get started

£0

Every account in one list, your net worth, and what your money could earn in pounds, with the working. Free for as long as you like.

Join the waiting list
Blooom+

Keep it watched

£44.99 a year, or £4.99 a month

Every easy access account you add compared against the rates we track, again each time you update, every bonus end and fix remembered. For the saver who does not want to look.

See the price

Blooom+ is £44.99 a year, or £4.99 a month.

Free to start. Free to stay, if you like.

Prices.

Free

Free

£0

For as long as you like.

  • All your accounts in one place, no logins
  • Your net worth from five lines
  • What your money could earn, in pounds
  • A heads-up if you’re over the £120k protection limit
Join the waiting list
Blooom+

Blooom+

  • Every easy access account you add, compared again each time you update
  • Better rates, compared each time you update. Potential gains, shown in pounds.
  • Every date remembered: bonuses, fixes, the Bank’s decisions
  • Insights for what’s changing in your life
Join the waiting list

Questions, answered.

Is it worth moving for a small balance?

That is what it could earn, in pounds a year. Blooom says so when the gap is too small to bother with, and it says so when it is not.

Do I have to close my old account?

No. You can keep your bank account for bills and hold savings elsewhere.

Is my money protected at a bank I have not heard of?

The FSCS protects eligible deposits up to £120,000 per person, per banking licence, whoever the bank is. Blooom shows which licence each account is under.

Is this advice?

No. Blooom shows what your money earns against the market and where it could sit. Opening an account is your call, and the provider decides whether it accepts you.

Can I cancel Blooom+?

Any time. Your first 14 days are a full refund with no questions. After that, cancelling stops the next charge and you keep it to the end of the period you paid for.

In private preview.

Leave your email.

The sources
£610bn and 15mBarclays, “UK’s investment gap swells to over £610 billion”, press release, September 2025:14.98 million adults holding investable cash, up from 13.21 million in 2022.
41% and 44%Barclays with Savanta, 2,000 UK adults, January 2025:41% cite fear of losing money, 44% cite lack of knowledge, as the biggest obstacle to investing.
61%FCA Financial Lives 2024 (May 2024 survey), press release 16 May 2025:61% of people with more than £10,000 in investible assets held at least three-quarters in cash.
2.9%ONS, Consumer price inflation, UK: July 2026, published 19 August 2026:CPI rose by 2.9% in the 12 months to July 2026.
1.65%Bank of England, Effective interest rates, June 2026 (published 29 Jul 2026): households’ sight deposits, outstanding balances.
59%Accenture, 12 May 2025: “nearly six in ten Brits (59%) not knowing the interest rate on their main savings account”.
53%LHV Bank research, reported by Which?, 1 Sep 2026: “53% of UK savers are not confident they’re receiving competitive returns”.
2 in 5Tesco Bank, reported by Which?, 1 Sep 2026: “two in five adults don’t realise how inflation can erode their savings”.
61%, 1 in 10 and 21%FCA Financial Lives 2024, press release 16 May 2025.
55%Yorkshire Building Society with Opinium, 2,000 UK adults, January 2024: 55% had not compared savings rates in the last year.
£35,429Spring (Paragon Bank) analysis reported by MoneyWeek, March 2026: 6.5m current accounts hold over £10,000 at no interest, averaging £35,429.
0.50%, 0.50%Blooom’s own rate-change log.
How we check
You typewhat you hold.
We compareagainst the highest rate we track, dated.
We saywhat moved. Nothing here can move your money.
How we make money
Blooom+£44.99 a year, or £4.99 a month. That is the business.
Some linksmay pay us if you open an account through them. Marked "May pay us".
Neverdoes either move the order. Ranked by rate, nothing else.
The sums in our example
1.00%Everyday saver, £9,900, as you told us on 12 Jul 2026
4.52%Highest easy access we track, our example
£348 a year£447 − £99

An example, not a promise. Rates move; we re-read them every day.
The arithmetic
£59.88a year if you pay monthly: £4.99 × 12
24%saved by paying yearly: £14.89 less